just got my letter from BOfA

friday the 13th and was declined for the BOfA AMEX. I really wanted that card --- better yet, I wanted a BOfA card in my credit mix and to start building credit history with them.

I have high scores in the 700's. Reason for decline: 4 inquiries, 2 cards 70% maxed out.

Is there any way to fight for this? I will settle for a regular PLATINUM card. Would it be better to call a recon number perhaps? if so, what is the number? or would it be better to go directly to the bank and speak to someone?

Re: just got my letter from BOfA

Hey thanks for replying. I've actually thought long and hard -- I really do not need BOA's services if they think they are too good for me. I will just cultivate my four credit cards. Four is enough, really .

Besides, I really do not think I will get approved AT ALL anymore. AMEX gave me a 10K CLD for NO REASON AT ALL (I pay more than minimum, always on time, never late, 20% utility) and my scores STILL went down by almost 80 points. I'm not even gonna waste my breath on dealing with AMEX. They might just close my account if I make them angry.

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